Bizcap Business Loans (NZ)
Structured facts for Bizcap's NZ business loan products — limits, eligibility, security model, and factor-rate disclosure — sourced directly from Bizcap's published pages.
About Bizcap
- Legal entity
- Bizcap NZ Limited
- Brand family
- Bizcap
- Primary website
- https://www.bizcap.nz
- Notes
- Direct, self-funded non-bank lender. NZ entity part of the Bizcap group (AU + SG). FSP registered.
Small Business Loan(Bizcap)
data confidence: inferredBizcap's flagship business loan for NZ SMEs: $5K-$4M, approval in as little as 3 hours with same-day funding. Pricing via factor rate (fixed fee over term, not APR). 4+ months trading + $12K+ monthly revenue minimums.
- Loan range
- $5,000 – $4,000,000
- Security
- mixed
- Trading history required
- 4+ months
- Minimum monthly revenue
- $12,000
- Advertised funding speed
- Approval in as little as 3 hours; same-day funding. Direct + self-funded lender.
- Interest rate disclosure (per quote, not publicly advertised) · pricing model: factor rate
- Bizcap prices via factor rate — a fixed fee applied over the loan term, not an annual percentage rate. Factor rate is set per applicant based on creditworthiness, business history, assets and credit profile. Borrowers see total amount payable upfront before accepting. Stronger credit attracts lower factor rates.
- Fees
- note: Specific fee schedule not published on the small-business-loans landing page. Confirm with Bizcap at quote stage.
Source: https://www.bizcap.nz/small-business-loans · capture: html-capture-2026-05-17
All figures sourced from the lender's own published page or PDS at the date shown. Confirm specific quotes with Bizcap directly — pricing is per-application.
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